Top Easy Access acs Ranked: Top of The Pots - **No Chat**

soulsaver

I've had a few suggestions/requests to start a separate 'No Chat' thread, as the ToTP list gets drowned in 'chat' in the 'Top Easy Access discussion' thread.

The aim is to maintain an easy-to-find ranked list of the c.Top 10, available to open & manage online, Easy Access accounts, with links. 

The purpose of this thread is to ONLY REPORT on  the top available-to-open Easy Access accounts - the list will be always easy to find as it's anchored on page 1, post 2.

There is already a hugely popular 'discussion' thread - recently morphed to: The New Top Easy Access Savings Discussion Area 

It would be great if people continued to engage in the related discussion over there, keeping this thread clear, purely for reporting.



Key: AO = App Only; NLA = No Longer Available; WEF =With Effect From (date); EA - Easy(ish) Access; O/l =Online; Quad/Tri/Dbl = Quadruple/Triple/Double Access; EPR = Expected Profit Rate (Sharia); MinFR= Minimum for (the) rate.

02/05/24 ETA MinFR
24/04/25 ETA AO

Note: Generally, I don't rank 'aggregators'.

If I do, I'll put an extra emphasis on the 'Do Your Own Research' (DYOR) - which in essence means, I wouldn't use them - but others may take a different view.
There are several threads on the issue - see here for an example discussion that brings out some of the less-than-clear elements with aggregators and the FSCS deposit protection:  
Moneyfarm: is Cash ISA protected by FSCS? — MoneySavingExpert Forum.


Happy hunting  

soulsaver

ToTP  

OK Pot Pickers...

Easy(ish) Access, Top 10 (ish) of The Pots. 

BoE BR 18/09 held at 4.00% Next MPC meet:06/11/25

Updated 22/10 at c16.00hrs - Starter for 10; not comprehensive, DYOR. Latest/recent changes in bold. Links added for all accounts. TIA for all contributions. Bracketed dates = date rate added here.

Note: see Small(ish) Balance, near 'ToTP' rates lower on the page.. 

 

1 Zopa Smart Saver 4.75% Bonus rate. Mthly £500 req'd to c/a for rate on saver pots.AO (21/10)

2 Ulster Bank  Limited Edition Saver Account 4.50% £5k Min FR (01/10) see trail.

3 Chase Boosted Rate Svr trckr 5.00->4.75% -> 4.50% (25/09) inc.2.0% newbie-only 1yr bonus AO (08/09)

4 Monument Bank EA 4.41% inc fixd 0.64% newbies boost to 17/11/26 £25k minFR (22/10)

5 Cahoot Simple Saver Iss13 4.40% £1 min (10/10)

6 Chip Instant Access Account7 Tri (Trckr) -> 4.37% for newbies* AO(21/10)

7 Chip Instant Access Unlimited w/ds (Trckr) 4.32 for newbies* AO (10/10)

8 Shawbrook Bank Bonus EA - Iss2 4.31% (inc. 2.31%fixed 6 mths bonus) Newbies** £1 min (04/10)

9  Coventry BS 4 Access Saver - 1 Year 4.30% (22/10)

10 Tipton & Coseley BS Triple Access Saver £5k min, £100k max 4.30%. AO (07/10)

11 West Brom BS Four Access Saver (Issue 4) - 4.28% £1min (21/10)

.

Info/Relegated - note not maintained - rate/info/links may be out  of date..

Principality O/L Tri Access Iss8 4.25% inc 1styr bonus; £1 min (18/09)

Manchester BS Rainy Day Saver (single acess) 4.25% £1min (22/09)

Hodge Bank Easy Access Issue 1 £1 min 4.21% (14/10)

Harpenden BS Online Single Access (Issue 2) 4.21% £100 min (16/10)

Penrith Ltd Access E-svr Iss2 (6 w/ds) 4.21% £1 min (18/09)

Tesco Bank Internet Saver 4.20% (£1 min) (20/09)

Teachers Double Access (Issue 1) 4.20% (£100 min) Restricted to teachers etc.(20/09)

Family BS Market Tracker Saver 4.25% (03/09) -> 4.14% wef 01/10 relegated

Vida Defined Access Iss2  (quad) 4.38% £10 min (25/06)->4.11% relegated wef 03/09.

Hodge Bank EA  Iss1 4.40% £1 min (26/06) -> 4.15(14/10) relegated but see above

Oxbury Ltd Ed2 4.32% £20k min (12/08) -> 3.97% wef 21/08 relegated.

* Chip: "A new customer is defined as someone who has never previously transacted in a Chip account and has no other promotional rates applied on any Chip products.."

** Shawbrook: "For new customers only. You (or any joint account holder) must not have held a savings account with us in the last 28 days."

Small(er) balance, near /ToTP rates:

Santander Edge Saver Iss4 6.0 % £4k MAX inc 2.5% 12mth bonus (23/09) **see trail 23/09**.

Cahoot Sunny Day Saver (Issue 5) 5.00% £3k maxFR (02/04)

Barclays Rainy Day Saver  4.61% (06/05) £5k maxFR -> 4.36% wef 04/08-> 4.21% wef 30/10

Nationwide FlexDirect 5.00% to £1.5k (1st year only)

NLA - Recently No Longer Available: Rates stated are those at going NLA and aren't maintained, may have changed and any links may be OOD.

United Trust Bank UTB Easy Access Account 4.30% £5k min (05/09)***NLA 15/10***

Harpenden BS Online Single Access (Issue 1) 4.31% (£100 min) (29/08) ***NLA 10/10***

Shawbrook Bank Bonus EA - Issue 1 4.30% (inc.2.8% 6 mth bnus) Newbies ***NLA 04/10***->Iss2 4.31%

Aldermore Double Access Account (Issue 6) 4.20% (£1k min) (20/09) ***NLA 01/10*** Iss7 4.00%

Previous NLAs Aug '24 - Sept '25 inc.

soulsaver

thanks @James87 & thanks at Santander for 2.75%
https://www.santander.co.uk/personal/savings-and-investments/savings/esaver

soulsaver

Zopa tiered 2.15% EA;  2.20, 2.35, 2.55%  7day, 31day, 90day notice. Smarter Savings built for real life - Zopa.

Thanks @Nevergonnaretire

soulsaver

Added/updated

Cynergy 2.75% EA Iss 53 (13/10) needs app or digipass for online access. Cynergy Bank Thanks @intalex

Tandem 2.05% (13/10) App only  Instant Access Savers (tandem.co.uk) thnx @WillowLea1962

eta iss 53

cloud_dog

Shawbrook EA up to 2%.  Not sure if the even makes the list anymore 🙂

wiseonesomeofthetime

Gatehouse Bank. Easy Access. Expected Profit Rate 2.00% to 2.25% wef 14/10/2022

soulsaver

Ford Money 2.5% wef 19/10 initially existing customers only - So maybe grab it now with £1 for keeping options open? Flexible Saver pre-application checklist | Ford Money  Thanks @FindingBBob      

eta strikethrough. 25/10 exclusive to existing customers.

cloud_dog

Apparently, Chase increasing to 2.1% from 24 October.

soulsaver

Skipton Dble Access

Note NLA  21/10. Product Not Available - Skipton Building Society

Kazza242

According to Moneyfacts, the Tesco Internet Saver will be paying 2.06%. 

The rate includes a 1.71% bonus for the first 12 months.

https://www.tescobank.com/savings/flexible/internet-saver/